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CoinMarketCap reports approximately $6 billion per day in bitcoin trading volume, but the actual figure is $273 million, or roughly 4.5% of the reported amount, according to Bitwise. When conducting its analysis, Bitwise culled data from 81 exchanges, which it selected based on reported bitcoin trading volume. Exchanges that reported less than $1 million worth of volume per day were excluded. Bitwise, which recently proposed a bitcoin exchange-traded fund (ETF), submitted this report to the U.S. Securities and Exchange …

The basic retail experience hasn’t changed much over the years: go into a store, look for the right product and make a purchase. Artificial intelligence has the potential to completely transform the traditional retail experience and take it to the next level with personalization, automation and increased efficiency. ?And it’s already happening! Here are 20 of the best examples of AI to improve the retail experience.

No human, or team of humans, could possibly keep up with the avalanche of information produced by many of today’s physics and astronomy experiments. Some of them record terabytes of data every day — and the torrent is only increasing. The Square Kilometer Array, a radio telescope slated to switch on in the mid-2020s, will generate about as much data traffic each year as the entire internet. The deluge has many scientists turning to artificial …

The great rivalry of the 20th century, at least from the America perspective, was between the United States and the Soviet Union. Geopolitical chroniclers see the great rivalry of the 21st century as between the U.S. and China. In the nine months between his inauguration and 9/11, President George W. Bush advanced the idea of China as America’s peer competitor. President Barack Obama executed the “pivot to Asia,” based on the argument that, while the …

The launch of the first blockchain ETF on the London Stock Exchange has become a real milestone for the blockchain industry. At the current moment, there are around six blockchain ETFs that have been listed on Canadian or U.S. stock exchanges. Nevertheless, for investors in the UK, it is the first such an easily accessible opportunity to add to their portfolio investments in blockchain-related firms that’s why it will be interesting to observe how investors …

IBM is coming to the crypto custody space. Later this month, Shuttle Holdings, a New York investment firm, will launch the beta version of a custody solution for digital assets built on IBM’s private cloud and encryption technologies. The companies won’t be storing cryptocurrencies and tokens themselves, but offering tools for others to do so. Potential users include banks, brokers, custodians, funds, family offices and high net worth investors who want to do self-custody, as well …

As 2018 marched along and the utility token market saw a slowdown, industry has been rife with talk of the arrival of security tokens. This is for good reason. The market has long-waited for the grand entrance of institutional investors – but they have not yet significantly entered the market. This has partially been attributed to the core offerings of ICOs. Utility tokens offering usability are simply not substantial enough to investors, who are used …

The myth: In September 2019, once PSD2’s SCA & CSC RTS enters into force screen scraping will be forbidden. The myth on steroids:Furthermore, it will not only be forbidden to access payment accounts via screen scraping, but also to access non payment accounts.

POS financing certainly isn’t new. In 2016, merchants in nine different retail categories saw more than 160 million POS loan applications—only 53% of which were approved More than a quarter of consumers have used point-of-sale (or instant) financing when shopping online. More importantly, nearly half would like to be presented with the option to get instant financing when shopping online.

When open banking began on 13 January 2018 with the launch of PSD2, the fintech twitterati were abuzz with predictions of the radical disruption of financial services. Industry pundits spoke about customers walking through a promised land of meaningful financial insights and competitive products. Not much has happened since other than a few small enhancements from the big banks and several fintech apps released. For example, Commerzbank has used open banking to tap into the Internet of things (IoT) …

SIX Group, the Swiss stock exchange operator, has picked R3’s Corda Enterprise platform as the underlying blockchain for the digital asset trading, settlement, and custody service it is building. Another area of focus for SIX is the handling of so-called security token offerings (STOs). Indeed, in an interview with Reuters last month SIX chairman Romeo Lacher said the exchange plans to eat its own dog food, so to speak, by looking to raise some money itself via …

The NSA announced Joyce’s RSA talk, and Ghidra’s imminent release, in early January. But knowledge of the tool was already public thanks to WikiLeaks’ March 2017 “Vault 7” disclosure, which discussed a number of hacking tools used by the CIA and repeatedly referenced Ghidra as a reverse-engineering tool created by the NSA. The actual code hadn’t seen the light of day, though, until Tuesday—all 1.2 million lines of it. Ghidra runs on Windows, MacOS, and Linux …

Security tokens, in fact, can be equated to securities. They can give their owners, for example, ownership that is accordingly regulated. So in the US, the SEC resolved that security tokens are knuckle under to the same federal laws as standard securities. This type of token can be backed by company assets, such as stocks, the right to receive dividends or the right to vote. And undoubtedly for investors who believe in a company, this …

Think of the changes in the past ten years in terms of how we deal with our banking needs. We moved from telephone banking to online or internet banking. The iPhone became more popular and apps got better and more secure. It is hard to remember how we managed with the rudimentary tools of ten years ago; so turn on your imagination and wonder what banking will be like ten years from now. How should …

Some strategies for digital banking are common globally. Other strategies can be differing with both attacking the same problem, but using a different solution. As well, some problems are specific to a region (Europe or U.S. for example) and need to be addressed with a different method than would be used in another region. We are going to look into these digital banking strategies to analyze which fall under each of these three category types and why.

Until recently, Chief Executive Officers (CEOs) received information and reports encouraging them to consider information and cyber security risk. However, not all of them understood how to respond to those risks and the implications for their organizations. A thorough understanding of what happened, and why it is necessary to properly understand and respond to underlying risks, is needed by the CEO, as well as all members of an organization’s BoD, in today’s global business climate. …

All of a sudden, several crypto-focused handsets are hitting the market, or will soon. The biggest player in the new game is Samsung, which confirmed this month that the Galaxy S10 will include a secure storage system for cryptocurrency private keys. It joins HTC, which for months has been touting the Exodus 1; Sirin Labs, which used proceeds from a huge ICOto build the Finney; and Electroneum, which this week began selling an$80 Android phone that …

If you want to learn how to build artificial intelligence systems, the first step is simple: forget all about artificial intelligence. Instead focus your attention on machine learning. That way, you can be sure you’re in the domain of the practical rather than the domain of hype.

Mobile Finance apps have become more and more popular, not only can you check your balance, pay bills and make transfers – it’s amazing how simple it is to make a payment these days compared to traditional banking days. I can’t actually remember the last time I deposited a personal cheque. Looking at a survey carried out by Think with Google and Ipsos, on average, out of the people that responded, users had two finance …